MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT

• US 20150039502A1
• Filed: 08/05/2013
• Published: 02/05/2015
• Est. Priority Date: 08/05/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Blackhurst, Jason P., Calman, Matthew A., Bondesen, Laura C., Dintenfass, Katherine, Hanson, Carrie A.
• Application Number:
  US13/958,786
• Publication Number:
  US 20150039502A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 10/0838 Historical data
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine address information or merchant store information from the electronic communication; and determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.

Claims

1. A system for providing misappropriation protection based on address or store information, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

identify an electronic communication between a customer and a merchant, wherein the electronic communication is associated with a transaction between the customer and the merchant;

extract purchase transaction data from the electronic communication between the customer and the merchant, wherein purchase transaction data is product level data about the transaction between the customer and the merchant;

convert the purchase transaction data to be compatible with an online banking application;

integrate the purchase transaction data with data on the online banking application for the customer;

determine address information or merchant store information from the electronic communication; and

determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.

2. The system of claim 1, wherein the address information is a shipping address or wherein the merchant store information is a store number associated with a location of the merchant.

3. The system of claim 1, wherein the processing device is further configured to:

compare portions of the address information or portions of the store information to the one or more rules relating to the misappropriation of customer account information.

4. The system of claim 1, wherein the processing device is further configured to:

flag a purchase transaction associated with the electronic communication by providing, via an online banking account, an indicator of potential misappropriation proximate to information associated with the purchase transaction based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information is satisfied.

5. The system of claim 1, wherein the processing device is further configured to:

provide a notification to the customer based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information are satisfied.

6. The system of claim 1, wherein the one or more rules relating to misappropriation of customer information include a rule for comparing a listed or known customer address to a delivery address determined from the electronic communication, a rule for comparing one or more addresses previously used by a customer for receiving purchase transaction deliveries to a delivery address determined from the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a country other than a country associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a state other than a state associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to an area associated with statistically determined high levels of misappropriation, and a rule for determining that a delivery location determined from the electronic communication is to a non-registered device and/or a device not associated with a customer associated with the electronic communication.

7. The system of claim 5, wherein one or more of the one or more rules relating to misappropriation of customer account information are satisfied when, at least, one of the following occurs:

a) an address and/or location information matches address and/or location information of a rule;

b) an address and/or location information does not match address and/or location information of a rule;

c) a device receiving delivery of a subject of a purchase transaction associated with the electronic communication matches a device associated with a rule; and

d) a device receiving delivery of a subject of a purchase transaction associated with the electronic communication does not match a device associated with a rule.

8. A computer-implemented method for providing misappropriation protection based on address information or store information, the computer-implemented method comprising:

using a computer processor comprising computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions are structured to cause said computer processor to;

identify an electronic communication between a customer and a merchant, wherein the electronic communication is associated with a transaction between the customer and the merchant;

extract purchase transaction data from the electronic communication between the customer and the merchant, wherein purchase transaction data is product level data about the transaction between the customer and the merchant;

convert the purchase transaction data to be compatible with an online banking application;

integrate the purchase transaction data with data on the online banking application for the customer;

determine address information or merchant store information from the electronic communication; and

determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.

9. The computer-implemented method of claim 8, wherein the address information is a shipping address or wherein the merchant store information is a store number associated with a location of the merchant.

10. The computer-implemented method of claim 8, wherein the non-transitory computer-readable medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

compare portions of the address information or portions of the store information to the one or more rules relating to the misappropriation of customer account information.

11. The computer-implemented method of claim 8, wherein the non-transitory computer-readable medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

flag a purchase transaction associated with the electronic communication by providing, via an online banking account, an indicator of potential misappropriation proximate to information associated with the purchase transaction based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information is satisfied.

12. The computer-implemented method of claim 8, wherein the non-transitory computer-readable medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

provide a notification to the customer based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information are satisfied.

13. The computer-implemented method of claim 8, wherein the one or more rules relating to misappropriation of customer information include a rule for comparing a listed or known customer address to a delivery address determined from the electronic communication, a rule for comparing one or more addresses previously used by a customer for receiving purchase transaction deliveries to a delivery address determined from the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a country other than a country associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a state other than a state associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to an area associated with statistically determined high levels of misappropriation, and a rule for determining that a delivery location determined from the electronic communication is to a non-registered device and/or a device not associated with a customer associated with the electronic communication.

14. The computer-implemented method of claim 12, wherein one or more of the one or more rules relating to misappropriation of customer account information are satisfied when, at least, one of the following occurs:

a) an address and/or location information matches address and/or location information of a rule;

b) an address and/or location information does not match address and/or location information of a rule;

c) a device receiving delivery of a subject of a purchase transaction associated with the electronic communication matches a device associated with a rule; and

d) a device receiving delivery of a subject of a purchase transaction associated with the electronic communication does not match a device associated with a rule.

15. A computer program product for providing misappropriation protection based on address information or store information, the computer program product comprising a non-transitory computer-readable storage medium having computer-readable program code stored thereon, such that when the computer-readable code is executed by a computer processor it causes the computer to:

identify an electronic communication between a customer and a merchant, wherein the electronic communication is associated with a transaction between the customer and the merchant;

extract purchase transaction data from the electronic communication between the customer and the merchant, wherein purchase transaction data is product level data about the transaction between the customer and the merchant;

convert the purchase transaction data to be compatible with an online banking application;

integrate the purchase transaction data with data on the online banking application for the customer;

determine address information or merchant store information from the electronic communication; and

determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.

16. The computer program product of claim 15, wherein the address information is a shipping address or wherein the merchant store information is a store number associated with a location of the merchant.

17. The computer program product of claim 15, the non-transitory computer-readable storage medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

compare portions of the address information or portions of the store information to the one or more rules relating to the misappropriation of customer account information.

18. The computer program product of claim 15, the non-transitory computer-readable storage medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

flag a purchase transaction associated with the electronic communication by providing, via an online banking account, an indicator of potential misappropriation proximate to information associated with the purchase transaction based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information is satisfied.

19. The computer program product of claim 15, the non-transitory computer-readable storage medium further comprises executable instructions that when executed by the at least one processing device causes the system to:

provide a notification to the customer based at least partially on determining that one or more of the one or more rules relating to misappropriation of customer account information are satisfied.

20. The computer program product of claim 15, wherein the one or more rules relating to misappropriation of customer information include a rule for comparing a listed or known customer address to a delivery address determined from the electronic communication, a rule for comparing one or more addresses previously used by a customer for receiving purchase transaction deliveries to a delivery address determined from the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a country other than a country associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to a state other than a state associated with a customer associated with the electronic communication, a rule for determining that a delivery address determined from the electronic communication is to an area associated with statistically determined high levels of misappropriation, and a rule for determining that a delivery location determined from the electronic communication is to a non-registered device and/or a device not associated with a customer associated with the electronic communication.